,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #cbai  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #aa1 #bjbc,mrs4  
,*]filus-,mc,cormick introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
provide = a moratorium on evictions f & 
=eclosures on resid5ces dur+ a major    
disa/] or em]g5cy1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,f$]al ,disa/] ,h\s+ ,/ability ,act ( 
#bjbc4  #b4 ,eviction moratorium  7a7   
,moratorium ,9 ! case ( any disa/]1 !   
lessor1 l&lord1 or own]1 includ+ any    
individual ) a legal "r to pursue       
eviction or a possessory action1 ( a    
cov]$ dwell+ t is locat$ )9 ! disa/]    
area ) respect to su* disa/] may n1 dur+
 ! eviction moratorium p]iod ) respect  
to su* area--  7#a7 make1 or cause to be
 made1 any fil+ ) ! c\rt ( jurisdiction 
to initiate a legal action to recov]    
possession ( ! cov]$ dwell+ f ! t5ant = 
nonpaym5t ( r5t or o!r fees or *>ges2   
7#b7 *>ge fees1 p5alties1 or o!r *>ges  

to ! t5ant relat$ to su* nonpaym5t (    
r5t2  7#c7 increase ! am\nt *>g$ = r5tal
 ( ! dwell+1 includ+ by rec\p+ su*      
increas$ r5t ?r\gh fees or *>ges aft] ! 
conclusion ( su* p]iod2  7#d7 9 any     
mann] prev5t ! t5ant ( ! dwell+1 if su* 
t5ant has tempor>ily relocat$1 f return+
 to ! dwell+ & re-e/abli%+ occupancy or 
require ! t5ant to be re-scre5$ to      
det]m9e any eligibility = su* occupancy2
 or  7#e7 remove or cause ! removal ( a 
t5ant f a cov]$ dwell+4  7b7 ,notice ,to
 vacate ,9 ! case ( any disa/]1 ! lessor
 ( a cov]$ dwell+ t is locat$ )9 !      
disa/] area ) respect to su* disa/] may 
n--  7#a7 require ! t5ant to vacate !   
cov]$ dwell+ be=e ! date t is #cj days  
aft] ! date on :i* ! lessor provides !  
t5ant ) a notice to vacate2 &  7#b7     
issue a notice to vacate "u p>agraph    
7#a7 until aft] ! expiration ( !        
eviction moratorium p]iod ) respect to  
su* area4  #c4 ,=eclosure moratorium    
,except ) respect to a vacant or ab&on$ 
prop]ty1 9 ! case ( any disa/]1 a s]vic]

 ( a cov]$ mortgage loan on a prop]ty   
locat$ )9 ! disa/] area may n1 dur+ !   
=eclosure moratorium p]iod ) respect to 
su* area1 initiate any judicial or      
non-judicial =eclosure process1 s*$ule a
 =eclosure sale1 move = a =eclosure     
judgm5t or ord] ( sale1 or execute a    
=eclosure-relat$ eviction or =eclosure  
sale4  #d4 ,def9itions ,= purposes ( ?is
 ,act1 ! foll[+ def9itions %all apply3  
7#a7 ,cov]$ dwell+ ,! t]m cov]$ dwell+  
means a dwell+ t is occupi$ by a t5ant--
 7,a7 pursuant to a resid5tial lease2 or
  7,b7 )\t a lease or ) a lease t]m9able
 "u ,/ate law4  7#b7 ,disa/] ,! t]m     
disa/] means--  7,a7 any national       
em]g5cy decl>$ by ! ,presid5t "u !      
,national ,em]g5cies ,act 7#ej ,u4,s4,c4
 #afja et seq472 or  7,b7 any major     
disa/] or em]g5cy decl>$ by ! ,presid5t 
"u ! ,rob]t ,t4 ,/af=d ,disa/] ,relief &
 ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4
 #daba et seq474  7#c7 ,disa/] area ,!  
t]m disa/] area means1 ) respect to a   
disa/]1 any area t at any "t is subject 

to ! decl>ation ( su* disa/]4  7#d7     
,dwell+ ,! t]m dwell+--  7,a7 has !     
mean+ giv5 ! t]m 9 section #hjb ( !     
,fair ,h\s+ ,act 7#db ,u4,s4,c4 #cfjb72 
&  7,b7 includes h\ses & dwell+s        
describ$ 9 section #hjc7;b7 ( su* ,act  
7#db ,u4,s4,c4 #cfjc7;b774  7#e7        
,eviction moratorium p]iod ,! t]m       
eviction moratorium p]iod means1 )      
respect to a disa/] area1 ! #abj-;day   
p]iod t beg9s ^u ! decl>ation by !      
,presid5t ( ! disa/] t su* area is      
subject to4  7#f7 ,cov]$ mortgage loan  
,! t]m cov]$ mortgage loan includes any 
consum] cr$it transaction 7)9 ! mean+ ( 
su* t]m z us$ 9 ! ,tru? 9 ,l5d+ ,act    
7#ae ,u4,s4,c4 #afja et seq4771 o!r ?an 
tempor>y f9anc+ su* z a con/ruction     
loan1 t is secur$ by a mortgage1 de$ (  
tru/1 or o!r cons5sual security int]e/  
on a #a- to #d-unit dwell+ or on        
resid5tial real prop]ty t includes a #a-
 to #d-unit dwell+ includ+ individual   
units ( condom9iums & coop]atives t is  
secur$ by a fir/ or subord9ate li5 on   

resid5tial real prop]ty 7includ+        
individual units ( condom9iums &        
coop]atives7 design$ pr9cipally = !     
occupancy ( f #a to #d families1 includ+
 any su* secur$ loan ! proce$s ( :i* are
 us$ to prepay or pay (f an exi/+ loan  
secur$ by ! same prop]ty1 b su* t]m does
 n include a cr$it transaction "u an    
op5-end cr$it plan o!r ?an a rev]se     
mortgage4  7#g7 ,=eclosure moratorium   
p]iod ,! t]m =eclosure moratorium p]iod 
means1 ) respect to a disa/] area1 !    
#f-mon? p]iod t beg9s ^u ! decl>ation ( 
! disa/] = :i* su* decl>ation 0 made4   
#e4 ,applicability ,?is ,act %all apply 
) respect to any disa/] = :i* !         
decl>ation ( ! disa/] is 9 effect on !  
date ( ! enactm5t ( ?is ,act & any      
disa/] = :i* su* decl>ation is made aft]
 su* date ( enactm5t4